235 Roosevelt StMerrillOR97633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.63% gross rental yield, 235 Roosevelt St, Merrill, OR, 97633 in Merrill is priced for capital growth, not immediate cash flow. The $280,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $77,359 by year five, with $2,579/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.86) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $66,757.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(610) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $1,579 |
| DSCR Ratio | 0.68x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 1991
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97633, Merrill, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 526 (100%) |
| Owner Occupied HU | 331 (62.9%) |
| Renter Occupied HU | 136 (25.9%) |
| Vacant Housing Units | 59 (11.2%) |
| Median Home Value | $476,724 |
| Average Home Value | $497,530 |
Housing Distribution
Address Breakdown
Residential
52
Single Family
52
Multi-Family
0
Businesses
77
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 1991
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 97633, Merrill, OR area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 526 (100%) |
| Owner Occupied HU | 331 (62.9%) |
| Renter Occupied HU | 136 (25.9%) |
| Vacant Housing Units | 59 (11.2%) |
| Median Home Value | $476,724 |
| Average Home Value | $497,530 |
Housing Distribution
Address Breakdown
Residential
52
Single Family
52
Multi-Family
0
Businesses
77
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices